VA Home Loans

Proud to be a Top VA Lender

NASB - A Preferred VA Lender

NASB was named a Top Lender in 2018 by LendingTree, and here's how we did it:

 

No Lender Fees* - NASB charges no lender fees to those who finance or refinance their mortage with a NASB loan.

No Down Payment - Typically no down payment is needed to secure a VA home loan unless the amount exceeds the current loan limit.

No Private Mortgage Insurance - Veterans who qualify may borrow up to 100% of the purchase price of the home, without mortgage insurance being required.

Streamlined Refinance Program - NASB offers homebuyers the ability to refinance in the future at a substantially reduced cost. The VA Streamline Refinance, or what is commonly referred to as the IRRRL (Interest Rate Reduction Refinance Loan), allows qualified borrowers to refinance to a lower interest rate or reduced term.

Click here to check mortgage rates.

*NASB does not charge lender fees on VA loans; however fees payable to third party service providers are still required.

 

VA Loan Requirements

 

Even though you may be eligible for a mortgage based on your service, there are also certain VA Lender qualifications that must be met in order to be approved:

1. Two years of steady employment.

2. The last two years of income should be either at the same level or higher.

3. Your credit score should have less than two 30-day late payments in the last two years and show a minimum credit score of 620.

4. You must be at least two years past a Chapter 7 bankruptcy discharge date and have a qualifying credit score since the discharge.

5. If you are in a Chapter 13 bankruptcy, you must have satisfactorily made at least 12 months of payments and the trustee or bankruptcy judge approved the new credit.

6. Any foreclosure musts be at least two years old, and you musts have perfect credit following the foreclosure date.

7. Purchasing or refinancing is subject to inspection to determine the marketability and verify the current market value.

Other conditions for your mortgage may apply; all loan applications are subject to underwriting approval. Contact a NASB consultant for more information.

 

Loan Limits

The home loan program loan limit is $484,350 in most counties, up to $726,525 if the veteran lives in a high-cost county. Each high-cost county has their own limit so please ask your loan consultant for more details.

Click here to learn how you can get pre-qualified for a VA loan with NASB.


va loan review

Everyone I dealt with was a top notch professional. It makes me even prouder having served my country, knowing I got this type of excellent treatment. Thank you NASB and everyone involved. Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction

- John from Indiana

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What a difference Dallas made for me and my family. Professional, honest, always available and got us an incredible rate and closed in under 30 days---truly, an excellent experience; I wholeheartedly recommend Dallas if your looking for someone that's top-notch, shoots straight and is never pushy. Thank you, Dallas, for helping us get a great rate on our VA loan.

- Christopher from California

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The NASB team went above and beyond for me and my family and closed an important VA home loan on time despite many changes, my military retirement, and a very challenging Antebellum home that required the entire NASB team to pull out all the stops, know the rules and regulations, and guide us through a tough VA process. I truly believe we would not have closed on time with a different team. I will only recommend NASB for home loans...especially complicated VA loans.

- Nathan from Columbus

NASB reviews from LendingTree.com


More Reason to Choose NASB:

 

Since 2010, NASB has helped more than 20,000 veterans and military families close more than $6.1 billion in home loans. Our dedicated loan consultants are VA loan specialists with a deep understanding of the eligibility requirements, loan process, and customer needs.

97% of NASB’s previous customers would recommend us to their family and friends.*

  • More than 20% of NASB’s employees are veterans themselves, including many of our loan consultants, so they understand your situation.
  • NASB does not charge any origination or application fees for VA loans.

NASB has in-house processing and underwriting to take your loan from application to closing faster.

 

Get a Quote! We Lend Nationwide

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